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2011090�0
<br />required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in
<br />accordance with RESPA, but in no more than 12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Properiy which can attain priority over this Security Instrument, leasehold payments or ground rents on
<br />the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that
<br />these items are Escrow Items, Bonower shall pay them in the manner provided in Section 3.
<br />Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
<br />Bonower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
<br />to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proce,edings are pending, but only until such proce�dings aze
<br />concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />lien to this Security Instrument. If Lender determines that aay part of the Property is subject to a lien which
<br />can attain priority over this Security Instrument, Lender may give Borrower a natice identifying the lien.
<br />Within 10 days of the date on wl�ich that norice is given, Borrower shall satisfy the lien or take o� or more
<br />of the a�tions set forth above in this S�rion 4.
<br />Lender may require Borrower to pay a one-time charge for a reai estate tax verification and/or reporting
<br />serfrice used by L�nder in coimecrion with this Loan.
<br />5. Praperty Irtsurance. Bonower shall ke,ep the improvements now existing or hereafter erected an the
<br />Property insured against loss by fire, hazards included within the term "extended coverage," and any ottier
<br />hazazds including, but not limite,cfi to, earthquakes and ffoods, for which L,ender requires �nc�,r�ce, This
<br />;n�„*�nce shall be maintained in the amounts (including deductible levels) and for the geriods that I�nder
<br />requires. What Lender rec}uires pursuant to the preceding sentences can change during the term of the Loan.
<br />The �nc� catrier providing the insurance shall be chosen by Borrower subject to Lender's right to
<br />disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require
<br />Borrower to pay, in connection with this Loan, either: (a) a one-time charge for IIood zone determination,
<br />certificarion and tracldng services; or (b) a one-time charge for flood zone determinarion and certification
<br />services and subs�uent charges each time remappings or similar changes occur wluch reasonably might
<br />affect such determination or certification. Borrower shall also be responsible for the payment of any fees
<br />imposed by the Federal Emergency Management Agency in connecrion with the review of any fiood zone
<br />determination resulting from an objection by Borrower.
<br />If Bonower fails to maintain any of the coverages described above, Lender may obtain in�,r�„ce coverage,
<br />at Lender's oprion and Borrower's expense. Lender is under no obligation to purchase any particular type or
<br />amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower,
<br />Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and
<br />might provide greater or lesser coverage than was previously in effect. Bonower acl�owledges that the cost
<br />of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could .
<br />have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
<br />Borrower secured by this Security Instrument. These amounts shall hear interest at the Note rate from the
<br />date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
<br />requesting payment.
<br />NEBRASKA-Single Family-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
<br />VMP � VMPBWE) (1105)
<br />Wolters Kluwer Financlal Services Page 8 of 17
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